I just wanted to say how much I love this place!! I happened upon it the middle of last month and I've learned tons since then. I didn't realize that the fact that our CC are maxed out effected out scores or that having 3 personal loans through consumer finance companies was frowned on. I've also learned what a excellent thing CU are. My dh & I have both joined one in March. Since then, we've gotten an unsecured loan (through MEMCU) to pay of the PL and pay down some credit card debt. I applied for a NFCU credit card (to help with ult) yesterday and was approved for a 3k CL. I realize that's not a lot but it will definitely help my ult! I don't plan on using it anyway. I can't wait to see our scores soar! Thanks for all the info! 
Ahhh. I love it when members experience good things as a result of this forum.
Starting Score: 469